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...s Retail Finance, Insurance and Real Estate 60 Banking 61 Credit Agenci...ance Agents, Brokers and Services 65 Real Estate 67 Holding and other Investment O...

...than 30 years of experience in the real estate, insurance, banking, and lendin...a TFC agreement. Independent agencies really don't need to 'join 'em.' They wi...

... prior to the Closing Date. The Agency has no subsidiaries, whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name ... . The Agency is not in default of any of its obligations with respect to said lease or the occupancy of said premises. Neither the Agency nor the Sellers have received any notice of eviction or other notice to quit said premises. The Agency occupies no other real estate. Except as set forth on SCHEDULE 3(l ), the Agency currently does not have, and has never had, any pension, benefit, profit sharing, retirement, deferred compensation, welfare, disability, bonus, severance pay or other similar employee ... date thereof, subject to return commissions, if any, paid, payable or allowed as credit to the insured, provided that the premium therefor has been paid. Representations and Warranties of the Sellers. Except to the extent as may be set forth on the Disclosure Schedule annexed hereto as EXHIBIT A and by this reference made a part hereof, the Sellers, jointly and severally, do hereby warrant and represent to the Buyer as follows and agree that such warranties and representations are true, accurate and complete as of the date hereof ...

... prior to the Closing Date. The Agency has no subsidiaries, whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name ... . The Agency is not in default of any of its obligations with respect to said lease or the occupancy of said premises. Neither the Agency nor the Sellers have received any notice of eviction or other notice to quit said premises. The Agency occupies no other real estate. Except as set forth on SCHEDULE 3(l ), the Agency currently does not have, and has never had, any pension, benefit, profit sharing, retirement, deferred compensation, welfare, disability, bonus, severance pay or other similar employee ... date thereof, subject to return commissions, if any, paid, payable or allowed as credit to the insured, provided that the premium therefor has been paid. Representations and Warranties of the Sellers. Except to the extent as may be set forth on the Disclosure Schedule annexed hereto as EXHIBIT A and by this reference made a part hereof, the Sellers, jointly and severally, do hereby warrant and represent to the Buyer as follows and agree that such warranties and representations are true, accurate and complete as of the date hereof ...

... prior to the Closing Date. The Agency has no subsidiaries, whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name ... . The Agency is not in default of any of its obligations with respect to said lease or the occupancy of said premises. Neither the Agency nor the Sellers have received any notice of eviction or other notice to quit said premises. The Agency occupies no other real estate. Except as set forth on SCHEDULE 3(l ), the Agency currently does not have, and has never had, any pension, benefit, profit sharing, retirement, deferred compensation, welfare, disability, bonus, severance pay or other similar employee ... date thereof, subject to return commissions, if any, paid, payable or allowed as credit to the insured, provided that the premium therefor has been paid. Representations and Warranties of the Sellers. Except to the extent as may be set forth on the Disclosure Schedule annexed hereto as EXHIBIT A and by this reference made a part hereof, the Sellers, jointly and severally, do hereby warrant and represent to the Buyer as follows and agree that such warranties and representations are true, accurate and complete as of the date hereof ...

... prior to the Closing Date. The Agency has no subsidiaries, whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name ... . The Agency is not in default of any of its obligations with respect to said lease or the occupancy of said premises. Neither the Agency nor the Sellers have received any notice of eviction or other notice to quit said premises. The Agency occupies no other real estate. Except as set forth on SCHEDULE 3(l ), the Agency currently does not have, and has never had, any pension, benefit, profit sharing, retirement, deferred compensation, welfare, disability, bonus, severance pay or other similar employee ... date thereof, subject to return commissions, if any, paid, payable or allowed as credit to the insured, provided that the premium therefor has been paid. Representations and Warranties of the Sellers. Except to the extent as may be set forth on the Disclosure Schedule annexed hereto as EXHIBIT A and by this reference made a part hereof, the Sellers, jointly and severally, do hereby warrant and represent to the Buyer as follows and agree that such warranties and representations are true, accurate and complete as of the date hereof ...

... prior to the Closing Date. The Agency has no subsidiaries, whether wholly or partially owned, nor is the Agency a party with any other entity or individual in any joint venture or other undertaking. k.The Agency does not own, and never has owned, any real property. The Agency has no agreement with any employee, director, agent or officer except oral agreements of employment that may be terminated at will. SCHEDULE 3(l ) contains a true and complete roster of the employees of the Agency setting forth the name ... . The Agency is not in default of any of its obligations with respect to said lease or the occupancy of said premises. Neither the Agency nor the Sellers have received any notice of eviction or other notice to quit said premises. The Agency occupies no other real estate. Except as set forth on SCHEDULE 3(l ), the Agency currently does not have, and has never had, any pension, benefit, profit sharing, retirement, deferred compensation, welfare, disability, bonus, severance pay or other similar employee ... date thereof, subject to return commissions, if any, paid, payable or allowed as credit to the insured, provided that the premium therefor has been paid. Representations and Warranties of the Sellers. Except to the extent as may be set forth on the Disclosure Schedule annexed hereto as EXHIBIT A and by this reference made a part hereof, the Sellers, jointly and severally, do hereby warrant and represent to the Buyer as follows and agree that such warranties and representations are true, accurate and complete as of the date hereof ...

... not own, and never has owned, any real property. The Agency ...eement 4(i) and 6©, 4(j) and 6(d) Schedules 3(e)Licenses 3(l) Roster of ...

...tion set by the carrier may not be realistic, and failure to achieve these lev...y P/C agencies have affiliations with real estate brokers whereby the agency receives leads from the real estate agency on residential home sales, ...

... . Insurance And Infomercials: A Perfect Relationship Aside from pushing products, the broadcast industry has indicated that some of the most promising markets for infomercials are: Products or services of a complex nature, such as insurance, financial planning, environmental products, mutual funds, real estate, etc. These categories are difficult to advertise in 30 or 60 seconds. It simply takes longer to explain all the pertinent details. A half-hour program provides the time to give a full explanation of the need, benefits, and values. Moreover, ... the infomercial gives the prospect basic information, in-person sales presentations and closing of the sale generally consume less time. Result? More leads+ quicker closes = more sales and greater profits. Image enhancement. Let's fact it, every national poll seems to rank insurance agents right down there with car salesmen. The extended time of an infomercial will allow you to tell the story of your agency. Viewers can actually get to know you and your staff. They can learn about the education and experience your producers bring to the table to ... is to get prospects on the books. Buying The Time Although you will probably purchase the broadcast time once you have completed the production, some advance planning should be done. Whether you're going to use television or radio, check with local stations early to discuss rate schedules and your budget. Knowing in advance the differences in cost between 15-minute, half-hour, and full-hour programs will help you settle on the format you want for your own production. Also, check on the station's requirements for a time slot. For instance, a ...